BIGselect Deductible
Are you cost-conscious when it comes to using the services available on the health system? Are you in good health and do you rarely go to your doctor or not at all? Then the BIGselect Deductible policy will be of interest to you. As you will be able to save up to 600,00 euros a year.
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Deductible with a calculable risk
With a deductible you contribute a certain amount yourself towards the annual costs for treatment. In exchange you will receive an annual reimbursement from BIG. If you do need to use the full range of services after all, the risk to you will remain calculable. You can choose between two levels of cover:
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| Deductible | Reimbursement | |
|---|---|---|
| Deductible 500 | 500 euros/year | up to 350,00 euros/year* |
| Deductible 1.000 | 1.000 euros/year | up to 600,00 euros/year* |
*Statutory limit; 20% of the annual contribution by the employee, 600 euros maximum.
And this is how it works
You decide to pay a share of the annual costs for treatment yourself – either 500 or 1,000 euros. In exchange you will receive an annual reimbursement from BIG. If you do need to go to the doctor you present your health insurance card as usual. The policy runs for 3 years.
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Preventive care continues as usual
You and family members covered by this insurance policy can still use these services without the costs for them being set off against the deductible:
- services for disease prevention
- dental screening (preventive dentistry)
- preventive health care with the exception of out-patient screening services in recognised convalescence spas
- health screening and child health checks
- services for children under the age of 18 covered by your insurance policy are not taken into account either
Important: payment of children’s sickness benefit counts as a benefit for the main policyholder and will reduce your bonus.
This is how to obtain the bonus
Once the insurance year has come to an end we will check with the accounting offices for doctors and the German Federal Associations for Sick Fund Doctors what the costs for your treatment amounted to. We will set the costs that have accrued against the amount of your bonus. This amount will be paid to you half way through the following year, if you are still a policyholder with BIG.
